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Cristal, I'm not sure how I'm going to play it now!

 

I'm tempted to sit back & do nothing:)

 

Oh yes Patricia BP likes writing to me as well - not RESPONDING to my letters, you understand, just writing her own, going on and on and on....as if I'd never got in touch with them at all.

And I'm still awaiting a promised phone call from the Customer Advocate Office....I wonder if they've forgotten, they were supposed to call me back, as confirmed by Alison in customer services on........February 4th.

 

For long winded letters how about one I received today in a case I started for my ex wife. It ran ot over 7 yes SEVEN pages. The last paragraph though was offering a settlement. One phone call later to correct a few discrepancies and a promise of a revised settlement offer by next week :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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yippee doo! Jolly damn good Tam.

 

I'm someone's ex-wife - will you do mine for me?

 

Sure will Birdie but your going ot have to cook dinner :p

 

hmmm BA has Birdie been included in our discussions the last few days ? if not why not and if she has why isnt she on the couch ?

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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yes I have.

I'm not on the couch cos I'm in the study.

 

cool - you do my spreadies, I'll cook dinner......still got that bottle of scotch...?well not that particular one, but another one, or any bottle of scotch, or in fact any bottle of anything at all will do, I'm not proud I'll drink anything.

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yes I have.

I'm not on the couch cos I'm in the study.

 

cool - you do my spreadies, I'll cook dinner......still got that bottle of scotch...?well not that particular one, but another one, or any bottle of scotch, or in fact any bottle of anything at all will do, I'm not proud I'll drink anything.

 

Good God, that old chestnut again........and you've got me mentioning food items now!! Hussy!!!:shock:

CLICK ON THE SCALES IF YOU THINK I HAVE HELPED!

 

I AM NOT SCARED ANYMORE!:rolleyes:

 

MBNA - To quote "The Carpenters", We've Only Just Begun..................;):D

HSBC - Settled.

Capital One - S.A.R - (Subject Access Request) issued.

Goldfish - S.A.R - (Subject Access Request) issued.

Tesco - SAR issued.

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yes I have.

I'm not on the couch cos I'm in the study.

 

cool - you do my spreadies, I'll cook dinner......still got that bottle of scotch...?well not that particular one, but another one, or any bottle of scotch, or in fact any bottle of anything at all will do, I'm not proud I'll drink anything.

 

spreadies and Scotch are easy ;) you just concentrate on dinner :rolleyes:

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Good God, that old chestnut again........and you've got me mentioning food items now!! Hussy!!!:shock:

 

hey corn I stand up for 2 minutes and you spread out all over the couch :o

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Hi Lizzie

 

Don't the banks have an ACOP.

 

ACOP?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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ACOP?

 

ACOP = Acceptable Code of Practice

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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This is becoming a new tactic for them. Tell us they are dropping action then go ahead with it. They must think we are stupid enough to forget it and throw the evidence away.

 

Have they refunded the charges yet Un1?

 

Hi Tam.

 

No, we have been claiming since about October....it's been in the court system since November - court date is in june!

 

They haven't paid yet and the woman told me that she was aware we had rejected a part settlement, then went on to say that she knew nothing about the court claim goign through......I wrote back and told her that it was none of her business what we have and havn't accepted and that her statement was unecessary and thanked her for contradicting herself by randonly mentioning the rejection but then saying she didn't know wnaything about it.

 

Now, I can use her letter of suspension as a defence to their action, can't I? she hasn't acknowledged the letter, but they have acknowledged the DPA request I cleverly included in the same letter.....hehe

 

That reminds me, I need to write her a followup letter.

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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For long winded letters how about one I received today in a case I started for my ex wife. It ran ot over 7 yes SEVEN pages. The last paragraph though was offering a settlement. One phone call later to correct a few discrepancies and a promise of a revised settlement offer by next week :)

 

Well done mate!! :)

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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yippee - someone blobbed me. Thankyou,

 

How many reps. do you need to get for 2 greeny blobby things? I really want 2 blobby things. Then I will change my ID to Mrs. Blobby.

 

 

Lol, Mrs. Blobby......I have no idea hun - I've been on 3 for years now, ddespite having loads of clicks the last few weeks......ho hum...

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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ACOP = Acceptable Code of Practice

 

What does that mean?

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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What does that mean?

 

an example would be the banking code, which somebody refered to a page or so back

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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Hi Tam.

 

No, we have been claiming since about October....it's been in the court system since November - court date is in june!

 

They haven't paid yet and the woman told me that she was aware we had rejected a part settlement, then went on to say that she knew nothing about the court claim goign through......I wrote back and told her that it was none of her business what we have and havn't accepted and that her statement was unecessary and thanked her for contradicting herself by randonly mentioning the rejection but then saying she didn't know wnaything about it.

 

Now, I can use her letter of suspension as a defence to their action, can't I? she hasn't acknowledged the letter, but they have acknowledged the DPA request I cleverly included in the same letter.....hehe

 

That reminds me, I need to write her a followup letter.

 

As long as the letter is not marked without prejudice then you can use it as evidence in court (basically) I intend using letters from Abbey in my claim against them.

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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an example would be the banking code, which somebody refered to a page or so back

 

Oh yeah! Durrr....sorry,

 

the banking code are useless too in my experience - 1st told me my bank had breached it and i was entitled to compo but that the FOS had to award. the FOS said they wont get involved.

 

Then, someone at the Banking Code told me that he had noted my issue and that they donnt get involved in individual cases because 9 times out of 10 the customer is wrong.

 

I asked him to put that in writing and he hung up - he was rude and patronising through the whole call......never again!!

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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As long as the letter is not marked without prejudice then you can use it as evidence in court (basically) I intend using letters from Abbey in my claim against them.

 

No it isn't! :)

 

It says that once they had received a copy of the court date letter they would hold all action.

 

They haevn't acknowledge receipt of the docs, but it was sent recorded and the reply included a DPA request in the letter, hehe....which they have started to action, so I guess they have acknowledged it by proxy! :D

Disclaimer: Anything I write in these forums is my personal opinion and offered without prejudice. If in doubt, please seek independent legal advice.

 

*If what I have told you in this post has helped, please press the star at the bottom left and tell me!!*

 

My charges claims:

un1boy vs egg *SETTLED* | Un1boy vs LTSB-SETTLED | un1boy vs Black Horse-SETTLED | Un1boy v Smile *WON* | un1boy v HSBC - SETTLED! | Un1boy's HSBC CC - SETTLED! | Un1boy vs Co-Op *SETTLED* |un1boy vs Co-Op CC *SETTLED*

 

Default removals:

un1boy v Equifax - Default removal

un1boy vs Experian - Default removal

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Lol, Mrs. Blobby......I have no idea hun - I've been on 3 for years now, ddespite having loads of clicks the last few weeks......ho hum...

 

somewhere I have seen a list of how the blobs work but forget where.

 

Basically a newbie with no rep giving a click is worth 1 point. somebody with a lot more experience and rep can be worth 10 points per click. I forget how many clicks constitute a new blob but its a lot of newbies and not many highly authoritive clicks :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

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No it isn't! :)

 

It says that once they had received a copy of the court date letter they would hold all action.

 

They haevn't acknowledge receipt of the docs, but it was sent recorded and the reply included a DPA request in the letter, hehe....which they have started to action, so I guess they have acknowledged it by proxy! :D

 

Are you saying the summons has been served and they are basically ignoring it ?

 

Certainly sounds like a proxy acknowledgement to me :)

Alliance & leicester:Settled 8/9/06 http://www.consumeractiongroup.co.uk/forum/alliance-leicester-successes/19700-tamadus-l.html?highlight=tamadus

Capital One:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/capital-one/16644-tamadus-capital-one.html?highlight=tamadus

MBNA 2 accounts:Settled 22/9/06 http://www.consumeractiongroup.co.uk/forum/other-institutions-successes/13831-tamadus-mbna-i.html?highlight=tamadus

Smile:Settled 15/11/06

Egg Card:S.A.R - (Subject Access Request) sent 2/10/06

GE Money:S.A.R - (Subject Access Request) sent3/8/06 LBA sent 26/9/06

Abbey:ERC prelim sent 14/9/06. LBA sent 2/10/06. Now it's getting interesting so keep watching

Barclaycard:In criminal default watch this space

Lloyds TSB:In criminal default watch this space

 

If my comments have been useful please click the scales and let me know.

Link to post
Share on other sites

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If you need to add something to this thread then

 

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If you want to post a new story then

Please

Start your own new thread

That way you will attract more attention to your story and get more visitors and more help 

 

Thanks

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